Every relevant detail regarding your pension arrangements can be found on our website. Would you like to know even more? Go to Pensioen 1-2-3.
Short overview of the pension scheme
Every year you accrue a part of your pension. When you retire, you receive a monthly pension from us for the rest of your life. Check out how much pension you will get on the website.
By default, your pension starts on the first day of the month in which you get AOW. You can, however, retire early or later.
- First possible moment: you can apply for your pension when you reach the age of 55.
- Last possible moment: you must take your pension 5 years after you first get your AOW.
In case of your death, your partner gets a life-long partner pension. Your children get orphan's pension. Find out how much money your partner and children will get on the website.
- If you become disabled 35% or more, you carry on accruing pension. We pay the contributions.
- If you receive unemployment benefits (WW), you can carry on accruing pension. You pay half of the contributions yourself.
A lot can happen until your retirement: to the economy, interest rates, and the value of our investments. If all goes well, you get more pension. But in case of setbacks, you may get less. Even after retirement your pension is not set in stone.
Up to a salary of € 86,202 (2023), you accrue pension in the average scheme. If you earn more, we also have a pension plus scheme: the ‘Pension accrual over the salary threshold’ scheme. Your employer can join this scheme voluntarily. Ask your employer if he has joined this pension scheme. In that case you do not have to take any further action.
More information about the pension plus scheme can be found in Pensioen 1-2-3.
Want to know even more? Check out Pensioen 1-2-3
Pensioen 1-2-3 is a summary of the pension scheme. In Pensioen 1-2-3 you can read what you do and do not get in our pension scheme. Pensioen 1-2-3 consists of 3 tiers.